Corporate Health

APA Insurance offers flexible tailor made corporate products for groups with ten (10) or more employees. The main benefit is a fully insured in-patient scheme.

Our main products include:

Optional Riders:

  • A fully insured outpatient scheme.
  • A fully insured Dental and optical cover.
  • A fully insured Maternity Cover.
  • Last/Funeral expense cover.
  • Excess of Loss Cover.
  • Enhanced benefits:

    1. Cover for Pre-existing and chronic conditions.
    2. Opportunistic infections of HIV conditions.

    Other benefits offered at a fee:

    Fund management / Scheme administration only.

    Structure of Cover

    Cover can be either on a:

  • Per Family /shared limit. The family shares the cover on a first come first to claim basis until the limit is exhausted.
  • Per person basis. Each member has own limit.

  • Scheme Membership:

    1. All Permanent Employees, aged between 18 to 65 years.
    2. One Legal Spouse per principle member.
    3. Own or legally adopted child from 0 months (a term baby) to 18 years (or 23 Years for a child who is a fulltime school or college students).

    Main Features include:

    Inpatient Cover: Minimum Kshs.100, 000 to a maximum 5,000,000

    Inpatient cover provides for medically necessary hospital bed charges, doctor’s bills, anesthetist’s bills, operating theatre fees, ICU expenses, day surgery, physiotherapy pharmacy, laboratory and investigations reasonably incurred by an insured member. Local road and air evacuation are also included. This cover will be on credit facility with our providers.

    Outpatient: Limit of cover offered: Kshs. 30,000 to 300,000.

    Outpatient cover provides for medically necessary consultation fees, investigatory procedures (laboratory & radiology), and referral to specialists, pharmacy and dressings Cover will be on the credit facility basis with our providers and on 80% reimbursement.


  • Limit of cover offered: Kshs. 10,000 to 30,000.
  • This provides for: Cost of fillings, X-rays, Extractions including surgical extraction together with anesthetics fees.
  • Optical:

  • Limit of cover offered: Kshs. 10,000 to 30,000.
  • This provides for the cost of eyeglasses and eye testing.

  • Maternity:

    This benefit shall cover Delivery fees, consultation and treatment for both mother and child only during the period of confinement in the hospital.

    Costs for miscarriages and abortions may be covered, provided they are certified by a gynecologist as being necessary to save the life of the mother.

    This benefit is only available to staff/spouse.

    At APA Health, we:

    1. Guarantee confidentiality of member data and medical information.
    2. Provide clear communication of scope of cover to employer/members.
    3. Maintain access to all the accredited hospitals.
    4. Audit of bills and the utilization of the scheme by members.
    5. Ensure prompt settlement of claims.
    6. Issue policy document and photo cards promptly.
    7. Issue quarterly expenditure statement and call for review meeting.
    8. Observe the principal of Utmost Good Faith.
    9. Issue policy document and photo cards promptly.

    If you are interested in learning how much Health insurance for your business would cost, or if you are interested in purchasing Corporate Health insurance, please click Get Cover.

    If you would like further explanation or assistance about how Health insurance can add value to your organization, please click I Need Assistance.

    Download forms will give you access to any relevant documents for Corporate Health insurance, such as the claim form, proposal form, etc.